The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$16,574
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,090
−HK$523/mo
Today · 4.125%
HK$17,613
baseline
▲ 0.50% · 4.625%
HK$18,685
+HK$1,072/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,226/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,438
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,933
−HK$502/mo
Today · 4.125%
HK$19,435
baseline
▲ 0.50% · 4.625%
HK$20,459
+HK$1,024/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,870/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,889
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,507
−HK$629/mo
Today · 4.125%
HK$21,136
baseline
▲ 0.50% · 4.625%
HK$22,422
+HK$1,286/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,272/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,126
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,720
−HK$602/mo
Today · 4.125%
HK$23,322
baseline
▲ 0.50% · 4.625%
HK$24,551
+HK$1,229/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,644/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,204
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,925
−HK$734/mo
Today · 4.125%
HK$24,659
baseline
▲ 0.50% · 4.625%
HK$26,159
+HK$1,500/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,318/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,814
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,506
−HK$702/mo
Today · 4.125%
HK$27,208
baseline
▲ 0.50% · 4.625%
HK$28,643
+HK$1,435/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,416/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,833
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,761
−HK$943/mo
Today · 4.125%
HK$31,704
baseline
▲ 0.50% · 4.625%
HK$33,633
+HK$1,929/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,408/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,189
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,079
−HK$903/mo
Today · 4.125%
HK$34,982
baseline
▲ 0.50% · 4.625%
HK$36,826
+HK$1,844/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,964/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,055 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).